AFLAC INC (AFL) Factsheet
AFLAC INC (AFL) Stock Analysis
Analysis from 10-Q filed 2025-11-05. Data as of Q1 2026.
Overall Grade: F (Concerning)
Grade F (Concerning). ROIC N/A. FCF margin 16.2%. D/E 0.0x. Source: 10-Q filed 2025-11-05.
| Metric | Value | Context |
|---|---|---|
| ROIC | N/A | Below expectations |
| FCF Margin | 16.2% | Strong cash generation |
| Debt/Equity | 0.0x | Conservative leverage |
FCF margin 16.2% — Bottom 50%.
Explore AFLAC INC: Earnings History | Filings | ROIC Analysis
Programmatic access: Available via MCP at mcp.metricduck.com. Tools for AFL: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_changes, get_metric_history, compare_companies, screen_filing_signals.
Profitability: AFLAC INC earns N/A ROIC
ROIC TTM N/A, sector median 20.8%. Source: 10-Q filed 2025-11-05.
| Metric | AFL | Rating | Context |
|---|---|---|---|
| Return on Invested Capital (ROIC) | N/A | Red flag | Below sector median of 20.8% |
| Return on Equity (ROE) | 16.3% | Good | Efficient use of shareholder equity |
Cash Flow: AFLAC INC generates $2.9B FCF at 16.2% margin, positive NaN/8 quarters
FCF TTM $2.9B. FCF margin 16.2%, Bottom 50%. OCF/Net income 0.6x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2025-11-05.
| Metric | AFL | Rating | Context |
|---|---|---|---|
| Free Cash Flow Margin | 16.2% | Good | Excellent cash conversion |
| Free Cash Flow (TTM) | $2.9B | Good | Positive cash generation |
| OCF/Net Income | 0.6x | Adequate | Potential accrual concerns |
| FCF Consistency (8Q) | N/A | Warning | Variable cash flow |
Balance Sheet: AFLAC INC at 0.0x leverage
Debt/Equity 0.0x. Source: 10-Q filed 2025-11-05.
| Metric | AFL | Rating | Context |
|---|---|---|---|
| Debt to Equity | 0.0x | Excellent | Conservative capital structure |
Valuation: AFLAC INC trades at 12.4x earnings
P/E 12.4x. EV/Sales 2.8x. FCF yield 5.1%. Dividend yield 2.1%. Source: 10-Q filed 2025-11-05.
| Metric | AFL | Rating | Context |
|---|---|---|---|
| P/E Ratio | 12.4x | Adequate | Reasonable valuation |
| EV/Sales | 2.8x | Good | Attractive revenue multiple |
| FCF Yield | 5.1% | Good | Attractive cash return |
| Dividend Yield | 2.1% | Adequate | Growth focus over income |
Capital Allocation: AFLAC INC returns 8.4% shareholder yield
Total shareholder yield 8.4% (div 2.1% + buyback 6.3%). Capital returned $4.8B TTM. Source: 10-Q filed 2025-11-05.
| Metric | AFL | Rating | Context |
|---|---|---|---|
| Total Shareholder Yield | 8.4% | Excellent | Dividend + buyback yield combined |
| Buyback Yield | 6.3% | Good | Active share repurchases |
| Total Capital Returned (TTM) | $4.8B | Good | Dividends + buybacks returned to shareholders |
Sector Rankings
| Metric | Value | Percentile | vs Median |
|---|---|---|---|
| Free Cash Flow Margin | 16.2% | Bottom 50% | 0.8x below |
| Return on Equity (ROE) | 16.3% | Top 25% | 1.5x above |
| P/E Ratio | 12.4x | N/A | - |
Financial Scorecard
| Metric | AFL | Rating | Sector Context |
|---|---|---|---|
| Free Cash Flow Margin | 16.2% | Good | Bottom 50% of sector (median: 20.9%) |
| Debt to Equity Ratio | 0.0% | Excellent | Conservative capital structure |
| P/E Ratio (Price-to-Earnings) | 12.4x | Adequate | Attractively valued |
| Free Cash Flow Yield | 5.1% | Good | Solid cash yield |
Frequently Asked Questions
Q: What is AFLAC INC's Return on Invested Capital (ROIC)?
AFLAC INC (AFL) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Sector median 20.8%. Source: 10-Q filed 2025-11-05.
Q: What is AFLAC INC's Free Cash Flow Margin?
AFLAC INC (AFL) has a free cash flow margin of 16.2%, generating $2.9 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2025-11-05.
Q: What is AFLAC INC's P/E ratio and how does it compare to peers?
AFLAC INC (AFL) trades at a P/E ratio of 12.4x, which is above the sector median of N/A. EV/Sales 2.8x. FCF yield 5.1%. Source: 10-Q filed 2025-11-05.
Q: Does AFLAC INC pay a dividend?
AFLAC INC (AFL) currently pays a dividend yield of 2.1%. Total shareholder yield (dividend + buybacks) 8.4%. Source: 10-Q filed 2025-11-05.
Q: What is AFLAC INC's revenue and earnings growth?
AFLAC INC (AFL) grew revenue by 7.2% year-over-year. EPS +36.5% YoY. Source: 10-Q filed 2025-11-05.
Q: Is AFLAC INC buying back stock?
AFLAC INC (AFL) repurchased $3.6 billion of stock over the trailing twelve months. This represents a buyback yield of 6.3%. Source: 10-Q filed 2025-11-05.
Q: How does AFLAC INC compare to competitors in Financials?
Compared to other companies in Financials, AFLAC INC (AFL) shows: ROIC N/A, sector median 20.8% (NaNx). FCF margin 16.2%, sector median 20.9% (Bottom 50%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.
Q: What warning signs should I watch for with AFLAC INC?
No quantitative warning flags fired for AFLAC INC (AFL) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2025-11-05.
Data Source: Data sourced from 10-Q filed 2025-11-05. TTM metrics as of Q1 2026.
Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.
Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.
This analysis is for informational purposes only and does not constitute investment advice.